I think it comes down to how we define creativity for the purpose of this conversation. I would say that 100% of situations and problems are novel to some degree - the real world does not exactly repeat, and your brain at T+10 is not exactly the same as it is as T+20.

That said, I think most everyday situations are similar enough to things we've experienced before that shallow pattern matching is all it takes. The curve in the road we're driving on may not be 100% the same as any curve we've experienced before, but turning the car wheel to the left the way we've learnt do do it will let us successfully navigate it all the same.

Most everyday situations/problems we're faced with are familiar enough that shallow "reactive" behavior is good enough - we rarely have to stop to develop a plan, figure things out, or reason in any complex kind of a way, and very rarely face situations so challenging that any real creativity is needed.